Blue Focus Bronze POS℠ 205 — full price in Missoula County, Montana (2026)
Blue Focus Bronze POS℠ 205 (30751MT0670013), a expanded bronze plan from Blue Cross and Blue Shield of Montana in Missoula County, Montana, costs $489.79/month full price for a 40-year-old in 2026 — $1040.14 at 60, with a $3,500 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 30751MT0670013 · Issuer: Blue Cross and Blue Shield of Montana · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $383.25 |
| 27 | $401.65 |
| 30 | $434.99 |
| 40 | $489.79 |
| 50 | $684.48 |
| 60 | $1040.14 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $671.37/mo. This plan is $489.79/mo at 40 — a difference of $-181.58/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other expanded bronze plans in Missoula County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Focus Bronze POS℠ Standard | Blue Cross and Blue Shield of Montana | $457.64 |
| Plus Bronze | Mountain Health CO-OP | $528.96 |
| Plus Bronze Standard | Mountain Health CO-OP | $529.14 |
| Core Bronze HSA 8300 | PacificSource Health Plans | $530.00 |
| Peak PPO Bronze Standard | Mountain Health CO-OP | $534.88 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 30751MT0670013 in FIPS 30063.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Missoula County
Reviewed by Jason Burns, Editorial Steward.